Hey! I am going through the EXACT same thing and they've been withholding my funds for 5 days and I am now 5 days late for payroll, I have other automatic payments bouncing and the returned item fees that have racked up are INSANE. I've spend HOURS AND HOURS on the phone and keep getting promised a call back and email with NOTHING. This was "escalated" but that means nothing. I have so many invoices "on hold" and nobody can help me. I filed a complaint with the BBB today but I am VERY interested in joining or even heading up a class action lawsuit. I am a publicist in NYC. I'll call every single news outlet I know and get us all together and let everyone know that they are RUINING small businesses. Have you gotten anywhere with a class action?